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1. (WO2017099909) METHODS AND SYSTEMS OF USING A CRYPTOCURRENCY SYSTEM TO MANAGE PAYMENTS AND PAYMENT ALTERNATIVES
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2017/099909 International Application No.: PCT/US2016/060048
Publication Date: 15.06.2017 International Filing Date: 02.11.2016
IPC:
G06Q 20/36 (2012.01) ,G06Q 20/38 (2012.01) ,G06Q 20/06 (2012.01) ,G06Q 30/02 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
36
using electronic wallets or electronic money safes
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
04
Payment circuits
06
Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30
Commerce, e.g. shopping or e-commerce
02
Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
Applicants:
VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; 900 Metro Center Boulevard Foster City, California 94404, US
Inventors:
BANKSTON, Michael; US
WHITE, David; US
HAGEY, Ryan; US
MARTINEZ, Arturo; US
Agent:
JEWIK, Patrick; US
TSE, Michael; US
BAKER, Amanda; US
PATTERSON, Melissa; US
Priority Data:
14/961,55407.12.2015US
Title (EN) METHODS AND SYSTEMS OF USING A CRYPTOCURRENCY SYSTEM TO MANAGE PAYMENTS AND PAYMENT ALTERNATIVES
(FR) PROCÉDÉS ET SYSTÈMES D'UTILISATION D'UN SYSTÈME DE CRYPTOMONNAIE PERMETTANT DE GÉRER DES PAIEMENTS ET DES SOLUTIONS DE PAIEMENT
Abstract:
(EN) Embodiments of the present invention are directed to methods and systems for the efficient management of a digital currency system using a cryptocurrency scheme. Embodiments utilize a payment processor computer to manage entities in the digital currency system, which have the rights to generate, distribute, transact with, and redeem units of a digital currency. In some embodiments, the digital currency may represent points in a loyalty program operated by an entity or organization. Transactions performed using the digital currency and rules governing the digital currency can be tracked and maintained in a master ledger maintained by the payment processor computer, and distributed as sub-ledgers to other entities within the digital currency system.
(FR) Certains modes de réalisation de la présente invention concernent des procédés et des systèmes de gestion efficace d'un système de monnaie numérique au moyen d'un système de cryptomonnaie. Certains modes de réalisation font appel à un ordinateur processeur de paiement permettant de gérer des entités du système de monnaie numérique, qui ont des droits permettant de générer, de distribuer, de négocier et de racheter des unités d'une monnaie numérique. Selon certains modes de réalisation, la monnaie numérique peut représenter des points d'un programme de fidélisation exploité par une entité ou une organisation. Des transactions effectuées au moyen de la monnaie numérique et de règles régissant la monnaie numérique peuvent être suivies et conservées dans un registre maître conservé par l'ordinateur processeur de paiement et être distribuées sous forme de sous-registres à d'autres entités du système de monnaie numérique.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
AU2016369243IN201847024534CN108369703EP3387603